贷款120万（商业贷款）房贷，还款5年的等额本息和等额本金的还款方式明细。
等额本息还款方式：
贷款总额：120万
还款月数：5年
每月还款：21562.43元
利息总额：9.37万
本息合计：129.37万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 21562.43 | 3000.00 | 18562.43 | 1181437.57 |
| 2 | 2025-05 | 21562.43 | 2953.59 | 18608.83 | 1162828.74 |
| 3 | 2025-06 | 21562.43 | 2907.07 | 18655.36 | 1144173.38 |
| 4 | 2025-07 | 21562.43 | 2860.43 | 18702.00 | 1125471.38 |
| 5 | 2025-08 | 21562.43 | 2813.68 | 18748.75 | 1106722.63 |
| 6 | 2025-09 | 21562.43 | 2766.81 | 18795.62 | 1087927.01 |
| 7 | 2025-10 | 21562.43 | 2719.82 | 18842.61 | 1069084.40 |
| 8 | 2025-11 | 21562.43 | 2672.71 | 18889.72 | 1050194.68 |
| 9 | 2025-12 | 21562.43 | 2625.49 | 18936.94 | 1031257.74 |
| 10 | 2026-01 | 21562.43 | 2578.14 | 18984.28 | 1012273.46 |
| 11 | 2026-02 | 21562.43 | 2530.68 | 19031.75 | 993241.71 |
| 12 | 2026-03 | 21562.43 | 2483.10 | 19079.32 | 974162.39 |
| 13 | 2026-04 | 21562.43 | 2435.41 | 19127.02 | 955035.36 |
| 14 | 2026-05 | 21562.43 | 2387.59 | 19174.84 | 935860.52 |
| 15 | 2026-06 | 21562.43 | 2339.65 | 19222.78 | 916637.75 |
| 16 | 2026-07 | 21562.43 | 2291.59 | 19270.83 | 897366.91 |
| 17 | 2026-08 | 21562.43 | 2243.42 | 19319.01 | 878047.90 |
| 18 | 2026-09 | 21562.43 | 2195.12 | 19367.31 | 858680.59 |
| 19 | 2026-10 | 21562.43 | 2146.70 | 19415.73 | 839264.86 |
| 20 | 2026-11 | 21562.43 | 2098.16 | 19464.27 | 819800.60 |
| 21 | 2026-12 | 21562.43 | 2049.50 | 19512.93 | 800287.67 |
| 22 | 2027-01 | 21562.43 | 2000.72 | 19561.71 | 780725.96 |
| 23 | 2027-02 | 21562.43 | 1951.81 | 19610.61 | 761115.35 |
| 24 | 2027-03 | 21562.43 | 1902.79 | 19659.64 | 741455.71 |
| 25 | 2027-04 | 21562.43 | 1853.64 | 19708.79 | 721746.92 |
| 26 | 2027-05 | 21562.43 | 1804.37 | 19758.06 | 701988.85 |
| 27 | 2027-06 | 21562.43 | 1754.97 | 19807.46 | 682181.40 |
| 28 | 2027-07 | 21562.43 | 1705.45 | 19856.98 | 662324.42 |
| 29 | 2027-08 | 21562.43 | 1655.81 | 19906.62 | 642417.80 |
| 30 | 2027-09 | 21562.43 | 1606.04 | 19956.38 | 622461.42 |
| 31 | 2027-10 | 21562.43 | 1556.15 | 20006.28 | 602455.14 |
| 32 | 2027-11 | 21562.43 | 1506.14 | 20056.29 | 582398.85 |
| 33 | 2027-12 | 21562.43 | 1456.00 | 20106.43 | 562292.42 |
| 34 | 2028-01 | 21562.43 | 1405.73 | 20156.70 | 542135.72 |
| 35 | 2028-02 | 21562.43 | 1355.34 | 20207.09 | 521928.64 |
| 36 | 2028-03 | 21562.43 | 1304.82 | 20257.61 | 501671.03 |
| 37 | 2028-04 | 21562.43 | 1254.18 | 20308.25 | 481362.78 |
| 38 | 2028-05 | 21562.43 | 1203.41 | 20359.02 | 461003.75 |
| 39 | 2028-06 | 21562.43 | 1152.51 | 20409.92 | 440593.84 |
| 40 | 2028-07 | 21562.43 | 1101.48 | 20460.94 | 420132.89 |
| 41 | 2028-08 | 21562.43 | 1050.33 | 20512.10 | 399620.79 |
| 42 | 2028-09 | 21562.43 | 999.05 | 20563.38 | 379057.42 |
| 43 | 2028-10 | 21562.43 | 947.64 | 20614.79 | 358442.63 |
| 44 | 2028-11 | 21562.43 | 896.11 | 20666.32 | 337776.31 |
| 45 | 2028-12 | 21562.43 | 844.44 | 20717.99 | 317058.32 |
| 46 | 2029-01 | 21562.43 | 792.65 | 20769.78 | 296288.54 |
| 47 | 2029-02 | 21562.43 | 740.72 | 20821.71 | 275466.83 |
| 48 | 2029-03 | 21562.43 | 688.67 | 20873.76 | 254593.07 |
| 49 | 2029-04 | 21562.43 | 636.48 | 20925.95 | 233667.12 |
| 50 | 2029-05 | 21562.43 | 584.17 | 20978.26 | 212688.86 |
| 51 | 2029-06 | 21562.43 | 531.72 | 21030.71 | 191658.16 |
| 52 | 2029-07 | 21562.43 | 479.15 | 21083.28 | 170574.87 |
| 53 | 2029-08 | 21562.43 | 426.44 | 21135.99 | 149438.88 |
| 54 | 2029-09 | 21562.43 | 373.60 | 21188.83 | 128250.05 |
| 55 | 2029-10 | 21562.43 | 320.63 | 21241.80 | 107008.25 |
| 56 | 2029-11 | 21562.43 | 267.52 | 21294.91 | 85713.34 |
| 57 | 2029-12 | 21562.43 | 214.28 | 21348.15 | 64365.19 |
| 58 | 2030-01 | 21562.43 | 160.91 | 21401.52 | 42963.68 |
| 59 | 2030-02 | 21562.43 | 107.41 | 21455.02 | 21508.66 |
| 60 | 2030-03 | 21562.43 | 53.77 | 21508.66 | 0.00 |
等额本金还款方式：
贷款总额：120万
还款月数：5年
首月还款：23000元
每月递减：50元
利息总额：9.15万
本息合计：129.15万
节省利息：2245.73元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-04 | 23000.00 | 3000.00 | 20000.00 | 1180000.00 |
| 2 | 2025-05 | 22950.00 | 2950.00 | 20000.00 | 1160000.00 |
| 3 | 2025-06 | 22900.00 | 2900.00 | 20000.00 | 1140000.00 |
| 4 | 2025-07 | 22850.00 | 2850.00 | 20000.00 | 1120000.00 |
| 5 | 2025-08 | 22800.00 | 2800.00 | 20000.00 | 1100000.00 |
| 6 | 2025-09 | 22750.00 | 2750.00 | 20000.00 | 1080000.00 |
| 7 | 2025-10 | 22700.00 | 2700.00 | 20000.00 | 1060000.00 |
| 8 | 2025-11 | 22650.00 | 2650.00 | 20000.00 | 1040000.00 |
| 9 | 2025-12 | 22600.00 | 2600.00 | 20000.00 | 1020000.00 |
| 10 | 2026-01 | 22550.00 | 2550.00 | 20000.00 | 1000000.00 |
| 11 | 2026-02 | 22500.00 | 2500.00 | 20000.00 | 980000.00 |
| 12 | 2026-03 | 22450.00 | 2450.00 | 20000.00 | 960000.00 |
| 13 | 2026-04 | 22400.00 | 2400.00 | 20000.00 | 940000.00 |
| 14 | 2026-05 | 22350.00 | 2350.00 | 20000.00 | 920000.00 |
| 15 | 2026-06 | 22300.00 | 2300.00 | 20000.00 | 900000.00 |
| 16 | 2026-07 | 22250.00 | 2250.00 | 20000.00 | 880000.00 |
| 17 | 2026-08 | 22200.00 | 2200.00 | 20000.00 | 860000.00 |
| 18 | 2026-09 | 22150.00 | 2150.00 | 20000.00 | 840000.00 |
| 19 | 2026-10 | 22100.00 | 2100.00 | 20000.00 | 820000.00 |
| 20 | 2026-11 | 22050.00 | 2050.00 | 20000.00 | 800000.00 |
| 21 | 2026-12 | 22000.00 | 2000.00 | 20000.00 | 780000.00 |
| 22 | 2027-01 | 21950.00 | 1950.00 | 20000.00 | 760000.00 |
| 23 | 2027-02 | 21900.00 | 1900.00 | 20000.00 | 740000.00 |
| 24 | 2027-03 | 21850.00 | 1850.00 | 20000.00 | 720000.00 |
| 25 | 2027-04 | 21800.00 | 1800.00 | 20000.00 | 700000.00 |
| 26 | 2027-05 | 21750.00 | 1750.00 | 20000.00 | 680000.00 |
| 27 | 2027-06 | 21700.00 | 1700.00 | 20000.00 | 660000.00 |
| 28 | 2027-07 | 21650.00 | 1650.00 | 20000.00 | 640000.00 |
| 29 | 2027-08 | 21600.00 | 1600.00 | 20000.00 | 620000.00 |
| 30 | 2027-09 | 21550.00 | 1550.00 | 20000.00 | 600000.00 |
| 31 | 2027-10 | 21500.00 | 1500.00 | 20000.00 | 580000.00 |
| 32 | 2027-11 | 21450.00 | 1450.00 | 20000.00 | 560000.00 |
| 33 | 2027-12 | 21400.00 | 1400.00 | 20000.00 | 540000.00 |
| 34 | 2028-01 | 21350.00 | 1350.00 | 20000.00 | 520000.00 |
| 35 | 2028-02 | 21300.00 | 1300.00 | 20000.00 | 500000.00 |
| 36 | 2028-03 | 21250.00 | 1250.00 | 20000.00 | 480000.00 |
| 37 | 2028-04 | 21200.00 | 1200.00 | 20000.00 | 460000.00 |
| 38 | 2028-05 | 21150.00 | 1150.00 | 20000.00 | 440000.00 |
| 39 | 2028-06 | 21100.00 | 1100.00 | 20000.00 | 420000.00 |
| 40 | 2028-07 | 21050.00 | 1050.00 | 20000.00 | 400000.00 |
| 41 | 2028-08 | 21000.00 | 1000.00 | 20000.00 | 380000.00 |
| 42 | 2028-09 | 20950.00 | 950.00 | 20000.00 | 360000.00 |
| 43 | 2028-10 | 20900.00 | 900.00 | 20000.00 | 340000.00 |
| 44 | 2028-11 | 20850.00 | 850.00 | 20000.00 | 320000.00 |
| 45 | 2028-12 | 20800.00 | 800.00 | 20000.00 | 300000.00 |
| 46 | 2029-01 | 20750.00 | 750.00 | 20000.00 | 280000.00 |
| 47 | 2029-02 | 20700.00 | 700.00 | 20000.00 | 260000.00 |
| 48 | 2029-03 | 20650.00 | 650.00 | 20000.00 | 240000.00 |
| 49 | 2029-04 | 20600.00 | 600.00 | 20000.00 | 220000.00 |
| 50 | 2029-05 | 20550.00 | 550.00 | 20000.00 | 200000.00 |
| 51 | 2029-06 | 20500.00 | 500.00 | 20000.00 | 180000.00 |
| 52 | 2029-07 | 20450.00 | 450.00 | 20000.00 | 160000.00 |
| 53 | 2029-08 | 20400.00 | 400.00 | 20000.00 | 140000.00 |
| 54 | 2029-09 | 20350.00 | 350.00 | 20000.00 | 120000.00 |
| 55 | 2029-10 | 20300.00 | 300.00 | 20000.00 | 100000.00 |
| 56 | 2029-11 | 20250.00 | 250.00 | 20000.00 | 80000.00 |
| 57 | 2029-12 | 20200.00 | 200.00 | 20000.00 | 60000.00 |
| 58 | 2030-01 | 20150.00 | 150.00 | 20000.00 | 40000.00 |
| 59 | 2030-02 | 20100.00 | 100.00 | 20000.00 | 20000.00 |
| 60 | 2030-03 | 20050.00 | 50.00 | 20000.00 | 0.00 |